Real rates. Built-in flexibility.
See your personalized rates and find out how much you qualify for with a few simple questions.
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No intro or teaser rates -
0.25% rate discount when you sign up for AutoPay
- Enjoy HELOC rates–on a card
Takes 90 seconds • No credit impact5
Today's HELOC Rates
Trovy Card Purchases
6.49% - 14.64%1 variable APR range
Cash Draws and Balance Transfers
6.49% - 15.14%1 fixed APR range
Rates as of 09/22/2026. Your actual rates are dependent on credit score, DTI, and home equity (CLTV) and other underwriting factors.
Card convenience. HELOC rates.
- Everyday purchases run on a variable rate as low as 6.49% APR1, a fraction of typical credit card rates.
- Want predictability? Convert all or part of your purchase balance to a fixed rate, once a month.
- Need cash? Take a cash advance or balance transfer at a fixed rate, with a repayment term you choose from 1 to 30 years (15 years for investment properties).
How does Trovy determine my rate?
Your credit score
Your HELOC rate is primarily based on your credit score, debt-to-income ratio, and combined loan-to-value ratio.
Your home value
Your combined loan-to-value (CLTV) ratio includes all liens on your property, including your Trovy HELOC.
Your debt vs. income
Your debt-to-income ratio compares outstanding debt payments, including for a Trovy HELOC, against gross monthly income.
Learn more about HELOC eligibility criteria here.
With Trovy SmartPay™, customers get approved for more–and save on interest.
Our SmartPay feature lets you refinance multiple external debts such as personal loans, credit cards, or auto loans through your Trovy HELOC, and that refinanced debt is no longer counted in your DTI calculation–which improves your HELOC offer.
Frequently asked questions
See allDoes Trovy offer a fixed rate?
Yes! When you take cash out or transfer a balance to Trovy, you'll pay a fixed rate of interest. Trovy lets you choose your repayment term, ranging from 1 year to up to 30 years (15 years for investment properties). The Trovy HELOC credit card carries interest at a variable rate, but you can convert all or part of an outstanding card balance to a fixed rate of interest each month with Trovy FixedPay.
How does the variable rate on a Trovy HELOC work?
The Trovy HELOC has a variable APR for Trovy HELOC credit card purchases. The APR is calculated by adding a margin to an interest rate index, which is the highest domestic Prime Rate published in The Wall Street Journal's Money Rates section. If you want predictable payments, you can convert all or part of your variable rate balance (of at least $100) to a fixed rate with regular monthly installments over a repayment period of your choosing with Trovy FixedPay.
How does FixedPay work?
Trovy FixedPay allows you to convert all or part of your purchases made with the Trovy HELOC credit card to a fixed rate of interest, at a repayment period of your choosing, which can range from 1 to 25 years (1 to 10 years for investment properties). If you don't use FixedPay, you'll pay interest on Trovy HELOC credit card purchases at your variable HELOC rate, which is much lower than a typical credit card interest rate.
Will checking my rate affect my credit score?
No, checking your rate with Trovy will not affect your credit score. We perform a soft credit inquiry, which is only visible to you and does not affect your score. However, submitting a full application will trigger a hard inquiry, which may affect your credit score. We will disclose to you on the application when the hard inquiry will be performed and obtain your permission before doing so.
